Marriage Allowance Checker UK (2026/27)
This Marriage Allowance Checker UK helps married couples and civil partners estimate whether they may qualify for Marriage Allowance for the 2026/27 tax year. It is designed to give a quick, practical view of eligibility and show the possible annual tax saving if one partner can transfer part of their unused Personal Allowance.
It is especially useful for couples where one partner has a lower income or is not using all of their Personal Allowance, while the other partner pays tax at a qualifying rate.
What this checker includes
- Basic Marriage Allowance eligibility screening
- Checks for married couples and civil partners
- Estimated annual, monthly and weekly tax saving
- A simple view of whether the recipient appears to qualify
- Common rule checks around income limits and Marriage Allowance exclusions
How Marriage Allowance works
Marriage Allowance lets a lower-earning spouse or civil partner transfer part of their unused Personal Allowance to their partner, which can reduce the receiving partner’s tax bill. In most straightforward cases, the lower earner must have income below the Personal Allowance threshold, and the receiving partner must not be taxed above the qualifying basic-rate limit.
This checker uses the details you enter to test the main conditions and estimate the potential tax saving for the year. It then shows equivalent monthly and weekly figures to make the annual value easier to understand.
Why your result may be different
This tool provides a practical estimate, but actual eligibility and savings can vary depending on the exact tax position of each partner. Results may differ if there is dividend income, savings income, pension income, retrospective claims, partial-year changes, or interactions with other allowances and reliefs.
- Extra taxable income outside salary or pensions
- Scottish or other regional tax band differences
- Claims covering previous tax years
- Changes to marital status during the year
- Use of Married Couple’s Allowance instead
Who this checker is for
- Married couples reviewing whether they may qualify for Marriage Allowance
- Civil partners comparing whether a transfer may reduce tax
- Lower earners checking whether unused allowance could be transferred
- Couples planning around one income being below the Personal Allowance threshold
Marriage Allowance examples
- One partner earns below the Personal Allowance and the other is a basic-rate taxpayer → Marriage Allowance may apply
- One partner has no taxable income and the other is within qualifying tax bands → a tax saving may be available
- The receiving partner pays higher-rate or additional-rate tax → Marriage Allowance usually does not apply
Important note
This checker provides estimates only and is not tax, legal, or financial advice. For an official position, refer to HMRC guidance or a qualified tax adviser.
Use the calculator above to check whether you may qualify and estimate how much Marriage Allowance could be worth for the 2026/27 tax year.